Uburiganya bukoresheje amakarita – Kumva no kuburinda

Uburiganya ku Ikarita bivuga gukoresha ikarita mu buriganya ikarita binyuze mu kwiba amakuru y'ikaritay'ikarita ya nyirakonti no nimero y'ibanga (PIN)kugira ngo bakore ibikorwa bitemewe ukoresheje konti yangijwe. UBWOKO BW'UBURIGANYA KU IKARITA Ubwoko busanzwe bw'uburiganya ku ikarita burimo ibi bikurikira:

• • Uburiganya bwo Kwiba Ikarita – Bubaho iyo umuriganya yibye amakarita cyangwa amakuru yayo, urugero binyuze mu kureba ibanga ry'umuntu cyangwa mu bujura, akagerageza kuyakoresha mu kugura ibicuruzwa cyangwa serivisi.

• • Skimming – Bibaho iyo ibikoresho bisoma amakarita ya banki nk'ibya ATM cyangwa Points of Sale, bihinduwe kugira ngo bifite igikoresho gisoma ikarita y'impimbano gihishe imbere. Icyo gikoresho gisoma amakuru yose y'ikarita harimo n'imibare ya PIN yinjijwe kugira ngo ikorwe igikorwa. Ibikoresho bya skimming bigoye kubimenya, ni yo mpamvu abakiriya basabwa gukoresha ATM ahantu hamurikiwe neza kandi hizewe, na POS ahantu hizewe.

• • Uburiganya bwo Guhamagara mu Buryo bw'Impimbano (Social Engineering) – Abariganya bazajya baguhamagara bigaragaza nk'abakozi ba I&M Bank, kandi bazagerageza kukwemeza ko utanga amakuru y'ikarita yawe mu guhamagara.

• • Uburiganya mu Gusaba Ikarita – Bibaho iyo abariganya basabira ikarita mu izina ryawe. Nk'uburyo bwo kwiba umwirondoro, umuriganya azakoresha amakuru yawe bwite kugira ngo abone ikarita ya debit cyangwa credit.

  KWIRINDA UBURIGANYA KU IKARITA Dushobora kwirinda uburiganya bukorwa ku makarita igihe dukurikije inama zikurikira: Kubungabunga Umutekano w'Amakuru y'Ikarita Yawe

1. Rinda amakarita yawe nk'aho ari amafaranga, kandi ntukareke ngo ajye mu maboko cyangwa mu bubasha bw'undi muntu.
2. Ntugatange amakuru y'ikarita yawe kuri telefone, keretse ari wowe watangije ihamagara.
3. Ntugatize amakarita yawe (ni ukuvuga ikarita yo kubikuza cyangwa iy'inguzanyo) umuntu uwo ari we wese, kuko ari wowe ushinzwe ikoreshwa ryayo.
4. Witondere urubuga ugenderaho ugatanga amakuru y'ikarita yawe. Hari zimwe zishobora gukorwa mu buryo bw'uburiganya kugira ngo zikurure amakuru yawe bwite.
5. Buri gihe jya witegereza amakuru y'itumanaho yemewe ya I&M Bank Rwanda Plc nk'uko yagaragajwe

  Kubungabunga Umubare w'Ibanga (PIN) Wawe w'Umutekano

1. Hitamo PIN yoroshye kwibuka kuri wowe ariko igoye kuyikeka ku bandi.
2. Irinde gukoresha imibare ikurikirana, itariki y'amavuko yawe, numero ya telefone, cyangwa indi mibare yoroshye kuyikeka nk'PIN yawe.
3. Ntugasangire PIN yawe n'abandi na rimwe kuko ari wowe wenyine ukeneye kuyimenya.
4. Ntugandike PIN yawe ahantu hose mu mufuka wawe cyangwa mu gikapu cy'amafaranga.

  Gukoresha ATM/CDM

1. Itondere cyane ibidukikije n'aho ATM cyangwa CDM uyikoresha iherereye. Kora serivisi zawe z'imari zikoresha ikoranabuhanga ahantu hatari ahihishe kandi hamurikirwa neza.
2. Igihe wandika PIN yawe, menya neza ko nta muntu uri hafi yawe ushobora kubona ibyo wandika.
3. Shyira amafaranga yawe n'ikarita yawe ya ATM ahantu hizewe mbere yo kuva kuri ATM.
4. Buri gihe genzura ko amafaranga wabikuje cyangwa washyizemo ahuye n'ayanditse ku nyemezabwishyu yawe.
5. Menyereza kujya ujyana inyemezabwishyu zawe kugira ngo abatekamutwe batamenya amafaranga wabikuje cyangwa amafaranga asigaye kuri konti yawe.
6. Cyangwa se, menya neza ko usatagura cyangwa wangiza inyemezabwishyu zawe za ATM mbere yo kuzijugunya.
7. Buri gihe genzura fagitire yawe y'ibyo waguze kugira ngo umenye neza ko amafaranga yishyuwe ari ukuri kandi ko nta mafaranga akekwa wakuwe ku ikarita yawe.
8. Menya neza ko imbuga z'ubucuruzi zikorerwaho kuri interineti zifite uburinzi bwa encryption (https://) kugira ngo zirinde amakuru y'ikarita yawe yoherezwa.

  Gukoresha Amakarita ku Biro byo Kwishyurirwaho (POS) cyangwa Serivisi z'Imari kuri Interineti

1. Igihe uguze ibintu, menya neza ko usubizwa ikarita yawe nyuma y'buri kwishyura ukoresheje POS.
2. Menya neza ko inyandiko z'ibicuruzwa zerekana amafaranga nyayo y'ibyo waguze mbere yo kuzisinyaho.
3. Witondere imeri zose zigusaba amakuru yawe bwite; zisaba ko "wemeza" amakuru binyuze kuri imeri, cyangwa zikagusaba gukanda ku isano igana ku rubuga "rwihariye" kugira ngo wemeze cyangwa utange amakuru bwite.
4. Rangiza ibikorwa byawe bya banki kuri interineti, wibuke gusohoka (log out) muri konti yawe ya interineti.
5. Irinde gukoresha ikarita yawe mu bikorwa bya interineti ukoresheje mudasobwa zikoreshwa na rubanda.
6. Iyandikishe ku matangazo (notifications) ya Banki kuko azagumenyesha vuba ibikorwa byose byose by'amafaranga bikekwaho uburiganya.
7. Suzuma buri gihe ibyo ushyirirwaho (statements) kugira ngo wemeze ko nta mafaranga akatwa atemewe.

  IGIHE WAHOHOTEWE N'UBUTEKAMUTWE BW'IKARITA Icyo Wakora

1. Hindura ijambobanga zawe za interineti n'imibare y'ibanga (PIN) kugira ngo abatekamutwe badakomeza gukora ibikorwa by'amafaranga.
2. Kurikirana neza ibikorwa bya konti yawe, kuko ibi bishobora kugufasha cyane cyane niba utazi uko amakuru yawe yavuyeho.
3. Komeza ukurikirane ibyo ushyirirwaho na banki, kandi niba ubona ibimenyetso by'uburiganya, menyesha I&M Bank Rwanda Plc ako kanya binyuze kuri Amakuru Yacu Yo Kutuvugisha
4. Menyesha ako kanya I&M Bank Limited igihe watakaje ikarita cyangwa igihe ukeka ibikorwa by'uburiganya byose ku ikarita yawe.

  Inama Zo Kumenya Uburiganya Bw'Ikarita Abatekamutwe basiga ibimenyetso ushobora kubona rimwe na rimwe niba uri maso. Birushaho kukworohera kubona uburiganya bw'ikarita niba:

1. Wemeza ko wakira amatangazo ya banki ku kikorwa cyose cyakozwe ku ikarita yawe no kuri konti yawe ya banki
2. Suzuma ibyo ushyirirwaho byo kwishyura buri kwezi kugira ngo umenye amafaranga atakumenyerewe.
3. Witondere fagitire ziturutse ku bantu cyangwa konti utazi, cyangwa konti utigeze ufungura.

  Ku makuru yisumbuyeho ku bijyanye no kumenya umutekano wa interineti, sura urubuga rwacu ukoresheje umurongo uri hepfo; https://www.imbank.com/information/information-security